The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$41,274
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,558
−HK$1,304/mo
Today · 4.125%
HK$43,862
baseline
▲ 0.50% · 4.625%
HK$46,531
+HK$2,669/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$87,724/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,917
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,149
−HK$1,249/mo
Today · 4.125%
HK$48,398
baseline
▲ 0.50% · 4.625%
HK$50,949
+HK$2,551/mo
Deposit HK$9.05M · loan HK$9.05M · min. income ≈ HK$96,796/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$678,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,529
−HK$3,106/mo
▼ 0.25% · 3.875%
HK$51,070
−HK$1,565/mo
Today · 4.125%
HK$52,635
baseline
▲ 0.50% · 4.625%
HK$55,838
+HK$3,203/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$105,270/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,100
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$56,578
−HK$1,499/mo
Today · 4.125%
HK$58,077
baseline
▲ 0.50% · 4.625%
HK$61,139
+HK$3,062/mo
Deposit HK$7.24M · loan HK$10.86M · min. income ≈ HK$116,154/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$678,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,784
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$59,581
−HK$1,826/mo
Today · 4.125%
HK$61,407
baseline
▲ 0.50% · 4.625%
HK$65,144
+HK$3,737/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$122,814/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,284
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$66,008
−HK$1,749/mo
Today · 4.125%
HK$67,757
baseline
▲ 0.50% · 4.625%
HK$71,328
+HK$3,571/mo
Deposit HK$5.43M · loan HK$12.67M · min. income ≈ HK$135,514/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$678,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,293
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$76,604
−HK$2,348/mo
Today · 4.125%
HK$78,952
baseline
▲ 0.50% · 4.625%
HK$83,756
+HK$4,804/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$157,904/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,651
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$84,867
−HK$2,249/mo
Today · 4.125%
HK$87,116
baseline
▲ 0.50% · 4.625%
HK$91,708
+HK$4,592/mo
Deposit HK$1.81M · loan HK$16.29M · min. income ≈ HK$174,232/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$678,775 · Scale 2, in force from 26 Feb 2026)